FLDDW · Fold Holdings, Inc.
Price & Indicators
The closing range uses available history since Jul 23, 2026; less than a full year is stored.
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Quarterly results
* Q4 derived as the full year minus Q1 to Q3.
AI Brief
Q2 FY26 earnings call · Aug 11, 2026TL;DR. Fold reported Q2 revenue of $6.1M, down 26% year-over-year amid continued Bitcoin price weakness, while eliminating $20M of secured debt and more than doubling its credit card early-access base to over 2,000 cardholders as it pivots toward asset-based and banking-partnered revenue streams.
- + Fold Credit Card early-access cardholders more than doubled sequentially to over 2,000, with interchange and lending economics meeting or exceeding expectations.
- + Fold eliminated approximately $20M of secured Bitcoin-backed debt, reducing monthly interest expense by ~$145K and adding ~$25M of unrestricted capital.
- + Fold is expanding into asset-based revenue through its Lead Bank partnership and a proprietary bank-grade core ledger, enabling participation in deposit economics.
- + Bitcoin Gift Card distribution expanded via TikTok Shop with strong early engagement, and Kroger renewed its commitment to the program.
- − Net loss of $9.7M in Q2 2026 versus net income of $13.4M in the prior-year period, driven in part by increased payroll and contractor expense.
- − Adjusted EBITDA loss widened to negative $5.5M from negative $4.7M a year ago.
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Technicals
trend & momentum for long-term holders illustrative — not investment adviceIllustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| Adjusted EBITDA (loss) non-GAAP | -$11,215,887 | Six Months Ended June 30, 2026 | — |
| Adjusted EBITDA (Loss) Per Share non-GAAP | -$0.11 | Q2 2026 | — |
| Adjusted EBITDA (loss) per share attributable to common stockholders - Basic and diluted non-GAAP | -$0.22 | Six Months Ended June 30, 2026 | — |
| Bitcoin Investment Treasury Holdings | 194 | Q2 2026 | — |
| Fold Credit Card cardholders | 2,000 | Q2 2026 | — |
| Total Transaction Volume | $165M | Q2 2026 | — |
| Total Verified Accounts | 87,000 | Q2 2026 | — |
| Transaction Volume | $55M | the three months ended June 30, 2026 filing | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Capital Markets — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
FLDDW
this stock
Fold Holdings, Inc.
|
$28.68M | — | +33.9% | — | — |
|
MS
Morgan Stanley
|
$293.71B | +5.3% | +5.5% | 15.1 | 0.9% |
|
GS
Goldman Sachs Group Inc
|
$263.43B | +2.9% | +8.9% | 14.0 | 2.3% |
|
SCHW
Schwab Charles Corp
|
$157.18B | -8.3% | +22.0% | 16.6 | 1.1% |
|
HOOD
Robinhood Markets, Inc.
|
$91.64B | -9.9% | +51.6% | 45.1 | 4.5% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionPerformance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| FLDDW | -46.2% | -12.5% | — | -30.4% | — |
| SPY | -1.5% | -0.9% | +7.7% | +0.5% | +12.4% |
| vs SPY | -44.7% | -11.6% | — | -30.9% | — |